Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$33,620Cash toward the purchase price.
Closing costs + prepaids$10,854Not just lender fees.
Before credits & paid funds$44,475The complete starting cash picture.
Estimated remaining funds due at closing
$44,475No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,620.31
Your down payment$33,620.31
Closing costs + prepaids$10,854.31
Total buyer cash needed$44,474.62
Remaining funds due$44,474.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,870.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$525.25
Prepaid interest, first (29 days)$1,234.06
Fees + prepaids$10,854.31
Your down payment is the seller’s equity. You take over the $253,380 balance, so the rest of the $287,000 price is paid at closing. A second mortgage can cover part of it. $44,474.62 is due at closing. Uses and sources reconcile at $297,854.31 each. Not a Closing Disclosure.